| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| XL INSURANCE SERVICES, INC.3 | 2388 MARITIME DRIVE, #220 ELK GROVE, CA 93711 | SUN LIFE ASSURANCE COMPANY OF CANADA | $64K | — | $64K | 5.02% |
| AHART INSURANCE SERVICES3 | 5060 N. FRUIT AVENUE FRESNO, CA 93711 | SUN LIFE ASSURANCE COMPANY OF CANADA | $55K | — | $55K | 4.28% |
| AHART INSURANCE SERVICES3 | 5060 N. FRUIT AVENUE FRESNO, CA 93711 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | — | $14K | 9.21% |
| JACK EDWARD AHART3 Filed as: JACK W. AHART INSURANCE SERVICES | 5060 N. FRUIT AVENUE FRESNO, CA 937113300 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 0.79% |
| AHART INSURANCE SERVICES3 | 5060 N. FRUIT AVENUE FRESNO, CA 93711 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 8.84% |
| JACK EDWARD AHART3 Filed as: JACK W. AHART INSURANCE SERVICES | 5060 N. FRUIT AVENUE FRESNO, CA 93711 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $367 | — | $367 | 1.16% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 718 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 718 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 718 | $32K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 718 | $155K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 527 | $1.3M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 718 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 718 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.